This study examines public sentiment toward the dominance of QRIS and GPN compared to Mastercard and Visa, using data collected from Instagram comments. Employing the Knowledge Discovery in Databases (KDD) methodology and the Naïve Bayes Classifier, the research analyzed 820 comments retrieved through automated scraping and processed using text mining techniques such as case folding, tokenization, stopword removal, stemming, and TF-IDF transformation. The model achieved an accuracy of 84.27%, a precision of 86.09%, a recall of 94.7%, and an F1-score of 90.21%, indicating strong reliability in identifying sentiment polarity. The analysis revealed that 76.5% of the comments expressed positive sentiment, highlighting users’ appreciation of QRIS and GPN for their convenience, speed, and accessibility across both micro and macro-scale transactions. Negative comments, representing 23.5%, centered on concerns about connectivity, data security, and trust in financial governance. These findings suggest that while QRIS and GPN have been widely embraced as efficient digital payment solutions, there remains a need for improved infrastructure, user education, and data protection. The study demonstrates the effectiveness of the Naïve Bayes algorithm for large-scale sentiment analysis in multilingual online environments and provides empirical insights for policymakers to strengthen Indonesia’s digital payment ecosystem.